Clipping of news on Brazilian Culture, Law and Citizenship
01/16/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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First step to start the year well is to check finances and make adjustments between money coming in and I left
One of the goals contained in the turn of the year is to adjust the accounts and balance finances, to have more tranquility in the coming year. The first step in doing this is to draw a plan for the year that has just arrived.
But as financial planning to achieve the long-term goals? The superintendent of Brasilprev products, Sandro Bonfim, simple and lists four important tips to have a life well financially planned without grips with the possibility of investing in the realization of life projects.
The first step seems obvious, but many people have difficulty not spend more than you earn "A basic tip:.. Bring the standard of living of its income, that is, do not spend more than you earn Place the tip of the pencil fixed, sporadic expenses and superfluous month to not let the costs exceed the amount of revenue, "teaches Bonfim.
The second stage of this planning is to manage debts. You need to know what types of debts are being incurred and take care not to incorporate the overdraft limit to income or lost in credit card installments. The secret here, according to the expert is to seek to know the mechanisms offered by financial institutions that can best suit your profile to repay the debts. "From the knowledge of your spending, think about how you can reduce them or avoid them in the future so that the outstanding balance will not happen again," he says.
Then one must keep in ing the need to save for the future. Bonfim ensian that one must incorporate the monthly fixed planning resources for short-saving, medium and long term and a safety reserve for a healthy financial life. "Ask yourself, what you can save today thinking ahead Set this value according to your budget and time to completion of your goal Establish life projects that are important, such as:. Buy their own house, change cars , make the trip of your life, pay for college children, make a private pension. "
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.